Can You Get Your Spouse’s Social Security?
Social security benefits are a critical component of financial security for many individuals and their families. One common question that arises is whether you can receive social security benefits from your spouse. In this article, we will explore the eligibility criteria and the process for obtaining your spouse’s social security benefits.
Eligibility for Spousal Social Security Benefits
To be eligible for your spouse’s social security benefits, you must meet certain criteria. Firstly, you must be at least 62 years old. However, if you are younger than 62, you may still be eligible if your spouse is deceased or if you are caring for a disabled child. Additionally, you must have been married to your spouse for at least 10 years.
Types of Spousal Social Security Benefits
There are two types of spousal social security benefits: primary insurance amount (PIA) and auxiliary benefits.
1. Primary Insurance Amount (PIA): This benefit is based on your spouse’s earnings record and is available to you at full retirement age (FRA), which is between 66 and 67, depending on your birth year. If you choose to receive your benefits before reaching FRA, your monthly benefit amount will be reduced.
2. Auxiliary Benefits: These benefits are available to surviving spouses and are calculated as a percentage of the deceased spouse’s PIA. The percentage depends on your age at the time of your spouse’s death. For example, if you are age 60 at the time of your spouse’s death, you would receive 71.5% of your spouse’s PIA.
How to Apply for Spousal Social Security Benefits
To apply for spousal social security benefits, you can visit the Social Security Administration (SSA) website or contact your local SSA office. You will need to provide the following information:
– Your Social Security number
– Your spouse’s Social Security number
– Proof of your marriage
– Proof of your age
– Proof of your relationship to your spouse (if applicable)
It is important to note that applying for spousal social security benefits does not affect your own social security benefits. You can still receive your own benefits while collecting benefits from your spouse.
Conclusion
In conclusion, if you meet the eligibility criteria, you can indeed receive your spouse’s social security benefits. Understanding the types of benefits available and the application process can help you make informed decisions about your financial future. For more information and assistance, consult the Social Security Administration or a financial advisor.
